【摘要】：銀行保險(xiǎn)(Bancassurance)最簡(jiǎn)單的理解就是銀行和保險(xiǎn)業(yè)務(wù)的相互融合，促使這種新型金融現(xiàn)象出現(xiàn)的原因是經(jīng)濟(jì)一體化所帶來的巨大壓力，迫使銀行和保險(xiǎn)公司雙方努力尋求一種可以更好的促使自身業(yè)務(wù)發(fā)展的模式，這種融合在很大程度上是經(jīng)濟(jì)發(fā)展一定程度后必然出現(xiàn)的現(xiàn)象。歐美國家的經(jīng)濟(jì)發(fā)展相對(duì)于中國來講是處于超前的狀態(tài)，這就促使了其銀行保險(xiǎn)的發(fā)展也是比較新穎和獨(dú)特的，，我國的銀行保險(xiǎn)起步晚但是發(fā)展還是比較迅速的，我國銀行保險(xiǎn)應(yīng)該在自身的發(fā)展模式上再結(jié)合先進(jìn)的經(jīng)驗(yàn)總結(jié)出屬于自己的銀行保險(xiǎn)業(yè)務(wù)發(fā)展道路。中國農(nóng)業(yè)銀行是四大國有銀行中最早進(jìn)入保險(xiǎn)領(lǐng)域的，也是發(fā)展勢(shì)頭比較迅猛的，雖然如此但是在發(fā)展中所存在的問題也是顯而易見的，對(duì)于以后如何在如此競(jìng)爭(zhēng)的金融環(huán)境中進(jìn)行發(fā)展，這些研究是有必要的。只有更好的學(xué)習(xí)和總結(jié)才有助于進(jìn)行深層次的探討和研究。 本文以農(nóng)行山西省分行代理保險(xiǎn)業(yè)務(wù)為研究對(duì)象，運(yùn)用經(jīng)濟(jì)學(xué)、貨幣銀行學(xué)、保險(xiǎn)學(xué)和營銷學(xué)等理論知識(shí)來指導(dǎo)研究，充分利用國外的一些發(fā)展的理論和經(jīng)驗(yàn)來指導(dǎo)我國銀行保險(xiǎn)的發(fā)展，同時(shí)在研究方法上主要通過比較歸納法、理論聯(lián)系實(shí)際、實(shí)證分析等多種分析手法對(duì)農(nóng)行山西省分行代理保險(xiǎn)業(yè)務(wù)的情況進(jìn)行分析研究，揭示制約山西農(nóng)行銀保業(yè)務(wù)發(fā)展的癥結(jié)所在，并對(duì)其銀保業(yè)務(wù)提出相應(yīng)的發(fā)展策略。
[Abstract]:The simplest understanding of bancassurance (Bancassurance) is the mutual integration of banking and insurance business. The reason for the emergence of this new financial phenomenon is the tremendous pressure brought by economic integration. Forcing both banks and insurance companies to seek a better way to promote their own business development, this integration is to a large extent an inevitable phenomenon after a certain degree of economic development. Compared with China, the economic development of European and American countries is in a state of advance, which promotes the development of its bancassurance, which is also relatively new and unique. Our country's bancassurance started late but developed rapidly. China's bancassurance should combine its own development model with advanced experience to sum up its own development path of bancassurance business. The Agricultural Bank of China was the first of the four major state-owned banks to enter the insurance field, and the momentum of development is relatively rapid. However, the problems that exist in the development are also obvious. These studies are necessary for how to develop in such a competitive financial environment in the future. Only better study and summary can help to carry on the deep level discussion and research. This paper takes the agent insurance business of Agricultural Bank of Shanxi Province as the research object, and applies the theoretical knowledge of economics, monetary banking, insurance and marketing to guide the research. Make full use of some developing theories and experiences of foreign countries to guide the development of China's bancassurance. At the same time, in the research methods, mainly through comparative induction, theory is combined with practice. This paper analyzes and studies the situation of the agent insurance business of Agricultural Bank of Shanxi Province, reveals the crux of restricting the development of the bank insurance business of Shanxi Agricultural Bank, and puts forward the corresponding development strategy for the bank insurance business of Agricultural Bank of China.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2

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